Credit card debt can be intimidating when you get all of your statements, but it does not have to be. There are several ways to both cut your spending and reduce your debt, without feeling overwhelmed. To help the readers of our blog we have compiled this list of simple and easy ways to reduce your debt quickly, and achieve financial freedom. Get out the scissors. If you are really serious about… **Continue reading**

Unsecured debt is pretty much exactly what its name implies, debt without the safety net of having collateral tied to it. That said, unsecured debt does not necessarily mean “bad” debt. The majority of adult Americans use unsecured debt in their daily lives, often to their benefit.

1. 1. Student Loans Although you may be thinking, "student loans are secure because they are backed up by your education,” this is only the case

I recently ran across a great article titled “The Last Taboo: Americans Will Talk about Sex Before Credit Card Debt,” and the title definitely sparked my interest. Having worked with thousands of Americans over the last several years regarding their credit card debt, we definitely know the challenges, and sensitivities that come with the territory; but sex? Really? Again, we know that for many, credit card… **Continue reading**

It is a common misconception that debt collectors can “get away with anything” in their attempt to collect unpaid debts. This is incorrect. Consumers actually have a specific set of rights when it comes to collection activities, and to help educate our readers we have compiled the following list of the top 10 rights. 1. Call Times No matter what they may say, debt collectors have to adhere to certain time restrictions… **Continue reading** | 1 Comment

Destroy Debt has posted an interesting blog entry with advice on how to stop harassing calls from debt or credit card collectors. Below is a quote from the article, but you can read the full text at Debt Collections: Stop the Phone Calls. There is nothing worse than receiving a phone call from a collections department every twenty minutes throughout the day. You know the feeling when your phone rings… **Continue reading** | 3 Comments

Being in debt can be both hard on your wallet and your health, as the extra stress can wear you down. Eventually you may need to look to other options, and one of those options is debt consolidation, which can help you to both pay off the debt more easily and more quickly. To help you make an informed decision, and determine if debt consolidation is the right choice for… **Continue reading** | 5 Comments

MercuryNews.com recently posted an interesting article with advice on how to ease the stress of dealing with debt collectors. Below is a snippet from the article, but you can view the full text by clicking here. 1. DON'T HIDE: It's tempting to avoid creditor calls when you don't have enough money to pay, but that's a big mistake, said Bruce McClary, spokesman for Clearpoint Financial Solutions, a national credit counseling… **Continue reading** | 4 Comments

Being in debt is very much like being in a thick fog; you know there has to be a way out, but you just cannot see it. Rest assured, there always IS a way out, and by simply taking hold of your financial situation and liabilities, you can start to find your way out. 1. Make a Budget Before you can reduce your spending and reduce your debt, you need to figure… **Continue reading** | 4 Comments

Thousands of our current clients and millions of American’s have found themselves in a state of financial hardship due to the current state of the American economy. As consumers slow spending and banks cut back the amount of credit they will issue “Credit Crunch,” businesses are forced to make cutbacks in order to keep their doors open. The casualties of these cutbacks are American workers, and dealing with… **Continue reading**

In an attempt to further educate consumers, STARTOVERTODAY.com is proud to announce it recent affiliation with Keller Williams of Northern California. With this recent affiliation we have begun a number of scheduled and free, financial alternatives seminars throughout Northern California, and the Bay Area, aimed at informing consumers of their alternatives to foreclosure, short-sale, and mounting debt. Our first seminar was held at the public library in Redding **Continue reading** | 3 Comments